Time Value of Money


Why is the time value of money concept important? In what quantitative decisions might the time value of money be used?

In business the time value of money is very important because it allows business’s to determine how much an investment will increase in value over a determined amount of time. The way that the stock market, and how the government is going these days many people are putting their money that they earn into 401k’s or IRA’s which over a period of time will calculate the value of their investment. There is a variety of investment tools that are out there to help people with investing their money in any time of investment. Many people choose the high interest rate that normally pays off in the long run if the investment is not touched. Many people have decisions to make regarding different positions within their life. Student loans, and financing a home use the time value of money. The interest rates have dropped since the financial meltdown. Many students have ended up with the lower interest rates. You have to have a clear understanding of the time value of money are able to better analyze the risks that are involved with the investments, and can make the money work for them instead of against them. This is something that I wish I understood a little better so that I can make the money work better for me instead of against me. Most companies use the time value of money to compare their investment alternatives in regards to profits, and earnings. These companies also use time value of money with leases, annuities, savings, mortgages, and loans. In order to make the right decisions for the company time value of money should be the top priority for any business to make solid financial decisions.

The News That Interests Me Most


Sunday News after the Passing

I like to read the front page, and then work my way through the paper to the comics. The comics are the best part of the paper. Many of the articles that are in the newspaper are interesting to read. But I live in a small town so the articles are short and to the point. The one section of the paper that I do not care too much about is Sports. About the only thing that I like to watch with my husband is the UFC. I love to watch a good fight.

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Marketing Plan


By having an effective marketing plan that is influenced by the customer’s and the wants or needs of those customer’s. The importance of customer feedback is something that is very important to any and all business’s. To get the right feedback about the products or services that are offered within that business. Designing products are made with the consumer in mind because the product is what the customer is asking for. Marketing the product or service will influence the consumer to buy the product and that is what the business is shooting for. The consumer’s have to have faith in the products that they buy or they will not purchase them. If the product or service does not meet the consumer’s needs they will find it somewhere else. Positioning the product is another important factor that must be taken into consideration in order to maximize the profit of those products or services. Once the target market and motives are identified the effective marketing plan can influence the consumer’s that purchase the products or services. Earning the customer’s trust is the key issue when building a solid foundation of products or services that are offered to the consumer. Without an effective marketing plan the product or service could not be profitable to the company.

The Smell of Success


Another milestone in my life finally achieving a Master’s degree, and this ends another chapter in my life. What an accomplishment now new doors opening as I type this article. I have achieved quite a few things in my life so far. I am proud of the accomplishments that I have achieved in the past ten years. The smell of success thrills me because it was something that I accomplished. The past eight years was a learning experience like no other that I will experience. There was a time when I did not want to learn and quit school because I did not like it. However, raising children I found it necessary to show them that you can do whatever your heart desires. You can be anything that you want and go where you want to go. Your future is what you make it and if you do not have the time to put the effort into learning all that you can Shame on you. I am now writing for contractors on odesk and find it a rewarding experience. I write, and rewrite articles for other people and learn the different techniques used to make an article an excellent piece of work. I enjoy writing everyday about the things that I have done, the people I have talked to, and other things that happen. Everyone asks what you are going to do now that you have graduated. Well to tell you the truth I am not sure because the state of the economy is not in good standing. I am working on different angles to put my education to good use. I love to write therefore, I choose to write for other people on odesk. Eventually, I will achieve another set of goals that I am working on right now. It is time to make another list to work on throughout the upcoming years. Furthermore, I plan to become an excellent writer in the upcoming months. I love the fact that I am making money off writing articles for other people it may not be much at least it is something. I have learned over the years that you have to work hard for what you want out of life. I have learned that you should not take anything for granted because you may not have it one day. Throughout the years, I have made some mistakes and learned from them. I am not perfect and neither is anyone else in this world. Life is what you make it and something will come along when it is time I am sure of it. I have worked hard the past eight years to accomplish my dreams. Now it is time to put the education that I have to use doing something that I love to do. Writing stories and articles is a truly rewarding experience because you can use your imagination to make something come alive. Now here I am telling the whole world about my accomplishments. I am not asking for anything I am merely bragging about the accomplishments that I have made over the past few years. I have decided to make something of myself and becoming a writer is a wonderful goal.

Writing a Book


I love to write

Writing & Skirt

I have thought about writing a book especially when I can write around 100,000 words in one year in a journal about all the things that happen in a years time and on a daily basis. I have journal’s from different places that I have worked in and most of the comments are funnier now than they were when I wrote them. It is interesting the things that you find out about people when you just listen to them talking about their lives. I have managed to almost write 20,000 this year from the day to day grind. Like Saturday the children and I have been building a Terrarium and we found two cocoons and one of them hatched Saturday morning. These are the moments that I cherish in my journal writings.

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Marketing


Which components do you think are the most important when developing a marketing plan? Explain why. Discuss at least three key components
In my opinion the most important components of developing a marketing plan would include the marketing strategies, a situation analysis, and the SWOTT analysis. All of these components are useful within the business setting for a variety of reasons. With a SWOTT analysis the company is able to see whether or not the product or service is doing well and fitting in with the latest trends within the market. By having this type of component the company is able to see where the weaknesses are for that product or service so that they may act quickly in resolving any issues that may arise. When it comes to the situation analysis which is another component that company’s should use in order to know what the macroeconomic or social factors may be before creating a newer product. Also by having marketing strategies in effect will allow the company to see the demand of the product so they might be able to bring in some profits from the product or service that they have created. Marketing strategies are another component that businesses will use in order to maximize their profits. Every business has to compete to stay within the market. Which means they have to constantly keep checking their product or service for the better of the consumer.